Frederick County property record for 3 Rouzer Ct, Thurmont, MD 21788
| Property Type | Townhouse |
|---|---|
| Details | 1 ba · 880 sqft · built 1991 |
| Lot Size | 0.057 acres (2,500 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $164,000 (Jul 2020) |
| Tax Bill | $2,476 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-351705 |
| Primary APN | 15-351705 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 880 sqft Living Area |
| 1st Floor Area | 460 sqft |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Townhouse |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 2,500 sqft (0.057 acres) |
| Deck Area | 80 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Municipal |
| Account Number | 351705 |
|---|---|
| Street Address | 3 ROUZER CT |
| City | THURMONT |
| State | MD |
| Zip | 21788-1676 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | R3 |
| Legal Description | LOT 47 PLAT 4 2,500 SQ. FT. THURMONT WEST |
| Legal Subdivision | THURMONT WEST |
| Legal Lot Number | 47 |
| Jurisdiction | FREDERICK MD |
| Township / Civil Division | 15, THURMONT |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 752900 |
Source: Frederick County records, as of September 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3 ROUZER CT, THURMONT, MD 21788-1676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION |
| Jul 22, 2020 | Deed, Transfer · Conventional Mortgage FIDELITY DIRECT MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2020 · Amount on Record |
| Deed Sale | Jul 22, 2020 · Amount on Record |
| Prior Sale | Jun 24, 2010 · Amount on Record |
| Deed Book / Page | 13914 / 99 |
| Transfer Doc | 0052340303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Sep 2, 2026 |
| Property Address | 3 ROUZER CT, THURMONT, MD 21788-1676 |
| Document Number | 1803000233 |
| Book / Page | 18033 / 233 |
| Instrument Date | Aug 27, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner, 167 |
| Address | 3 ROUZER CT, THURMONT, MD 21788-1676 |
| Document Number | 1803000233, |
|---|---|
| Date | Sep 2, 2026 |
| Book Page | 18033/233 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FREDERICK MD |
| Recording Date | Jul 22, 2020 |
| Property Address | 3 ROUZER CT, THURMONT, MD 21788-1676 |
| Document Number | 0139140099 |
| Book / Page | 13914 / 99 |
| Map Reference | MB 46 PL 123 |
| Instrument Date | Jul 10, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 3 ROUZER CT, THURMONT, MD 21788-1676 |
| Document Number | 13914105 |
|---|---|
| Date | Jul 22, 2020 |
| Instrument | 13914/105 |
| Name | FIDELITY DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Frederick County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Frederick County |
| Municipality | Thurmont Town |
| Unified School District | Frederick County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $186,000 (+8.24%) Land $50,000 Building $136,000 | $186,000 (-) Land $50,000 Building $136,000 | |
| 2025 | $2,476.00 (+4.87%) Homeowner's exemption | $171,833 (+19.74%) | $186,000 (+29.62%) Land $50,000 Building $136,000 |
| 2024 | $2,361.00 (+5.92%) | ||
| 2023 | $2,229.00 Homeowner's exemption | $143,500 Land $50,000 Building $93,500 | $143,500 Land $50,000 Building $93,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Nov 1985 · tidal / storm surge |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF THURMONT serves 6,200 people · EPA ID MD0100023 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2016–2018) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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